Home loans for nurses, midwives and healthcare workers.
Your shift penalties, overtime and allowances are real income, but many lenders shade them or ignore them entirely. We compare 30+ lenders to find those that count what you actually earn.
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Getting your full income counted.
For many nurses and healthcare workers, base pay is only part of the story. How a lender treats the rest can change your borrowing power significantly.
- Shift penalties and allowances. Some lenders accept them in full once they’re regular; others discount them heavily.
- Overtime. Policies range from counting none to counting all of it, depending on history and your employer.
- Casual and agency work. Some lenders will assess a shorter casual history for experienced healthcare workers.
- Salary packaging. Public health salary packaging can boost your assessable income with lenders that gross it up.
Buying with a smaller deposit.
Most banks limit their professional LMI waivers to doctors and a short list of other professions, and nurses and midwives usually aren’t on it. That doesn’t mean you’re stuck saving a 20% deposit.
- The Home Guarantee Scheme. The Australian Government scheme lets eligible first home buyers purchase with a 5% deposit without paying LMI, subject to property price caps.
- Lenders with cheaper LMI. Premiums vary between lenders and insurers, so comparing can save you thousands even when LMI applies.
- Family guarantee. A family member’s property equity can help you avoid LMI altogether.
Built around your roster.
Shift work makes bank appointments hard. We work around your roster, collect documents electronically, and deal with the lender for you from pre-approval through to settlement.
Book a free call at a time that suits youHome loans for nurses and healthcare workers: common questions
Can nurses get an LMI waiver?
Nurses and midwives are generally not included in the full medical professional LMI waivers most banks offer. Eligible first home buyers can often avoid LMI through the Home Guarantee Scheme or a family guarantee, and we compare lenders for the lowest LMI cost when it does apply.
Will a lender count my shift penalties and overtime?
Many will, but policies differ on how much and how much history they need. Choosing the right lender can meaningfully increase your borrowing capacity.
I work as an agency or casual nurse. Can I get a home loan?
Yes. Some lenders accept a shorter casual employment history for experienced healthcare workers. We’ll match you with one that does.
Do allied health professionals get the same treatment?
Physiotherapists, radiographers, paramedics and other allied health professionals face similar questions about shift and contract income, and we help them the same way.